• Individuals
    • Solutions for Individuals
    • Asset Finance
      • Overview

        Overview

        Merchant West is one of the largest privately owned providers of asset finance, fleet finance
        and working capital funding to corporates, SME’s and individuals in South Africa.

        Learn More
        Apply For Finance
      • Aircraft Finance

        Aviation

        We help you enjoy your flying more, by structuring a financial solution that allows you to get into the sky, without breaking the bank. In the South African aviation industry, we finance:

        • New and used fixed-wing and rotor aircraft
        • Avionics upgrades
        • Engine overhauls and aircraft rebuilds
        Learn More
      • Leisure Finance

        Leisure

        We help you enjoy your lifestyle by structuring a financial solution that allows you to get immediate use of recreational assets like:

        • Light Aircraft and Helicopters
        • Yachts and Boats
        • Golf Carts and Equipment for Golf Estates and Golf Estates
        • Classic Cars and Motorcycles
        • Equestrian Tack
        Learn More
        Apply For Finance
      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy-security when you need it most.

        Learn More
        Apply For Finance
    • Investments
      • Overview

        Overview

        Merchant West Investmentsis an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Discretionary Portfolio Management

        Discretionary Portfolio Management

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Tax-free Investments

        Tax-free Investments

        All our unit trust funds can be held with within a tax-free plan.

        Learn More
      • Unit Trust Investments

        Unit Trust Investments

        We offer a range of domestic and global unit trust funds covering equities, property, cash, bonds, and balanced fund solutions.

        Learn More
    • Private Wealth
      • Overview

        Private Wealth

        Sterling Private Wealth offers personalised wealth management solutions, expertly crafted to secure your financial future. Our dedicated advisors prioritize your unique goals, delivering tailored strategies with integrity and care. Click to discover how we can empower your wealth journey.

        Learn More
      • Estate Planning

        Estate Planning

        Estate planning is vital for preserving your wealth and ensuring it’s passed on according to your wishes. By structuring your estate plan effectively, you can minimise taxes, avoid legal disputes, and protect your legacy. Discover how strategic estate planning can safeguard your assets for future generations.

        Learn More
      • Investment Planning

        Investment Planning

        Effective investment planning is crucial for long-term financial success. By focusing on value rather than short-term trends, you can build a strategy that aligns with your financial goals. Explore how thoughtful investment planning can help you achieve sustained wealth, stability, and security for the future.

        Learn More
      • Offshore Financial Services

        Offshore Financial Services

        Offshore financial services offer strategic solutions for protecting, growing, and diversifying your wealth. By accessing global markets and favourable tax environments, these services provide unique opportunities for high-net-worth individuals to enhance their financial portfolios. Explore how offshore options can play a key role in securing your financial future.

        Learn More
      • Retirement Planning

        Retirement Planning

        Retirement planning is essential for securing a stable financial future, ensuring you can enjoy your retirement years with peace of mind. With careful, strategic planning, you can preserve wealth, reduce tax burdens, and safeguard your legacy. Discover how a tailored retirement strategy can protect your financial independence and support your long-term goals.

        Learn More
      • Risk Planning

        Risk Planning

        Effective risk planning is crucial for preserving and protecting your wealth. At Sterling Private Wealth, we offer bespoke strategies tailored to your unique financial situation. Our expert advisors work closely with you to identify potential risks and implement solutions that ensure your wealth remains secure, no matter what the future holds.

        Learn More
      • Tax Planning

        Tax Planning

        At Sterling Private Wealth, we offer bespoke tax planning services tailored to your unique financial needs. In conjunction with trusted third-party providers, we deliver expert strategies to optimise your wealth management and ensure tax efficiency. Our personalised approach ensures that every solution aligns with your long-term financial goals.

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • International Money Transfers

        International Money Transfers

        At Merchant West Treasury Solutions we specialise in facilitating secure and transparent transactions, ensuring your funds are transferred with utmost reliability and at competitive rates.

        Learn More
      • Cash Management

        Cash Management

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • Exchange Control Advice

        Exchange Control Advice

        Get expert exchange control advice and free tax clearance certificates for transfers above 1 million Rand with us.
        Let us simplify your transactions today.

        Learn More
      • Foreign Currency Accounts

        Foreign Currency Accounts

        Open an interest-bearing foreign currency account from the comfort of your own home with no monthly charges. Available in most major currencies.

        Learn More
      • Non Rand Transfers

        Non Rand Transfers

        Experience fast and secure non-Rand international transfers with our cutting-edge platform.
        Join now to enjoy seamless transactions.

        Learn More
    Asset Finance

    Asset Finance

    Learn More
    Investment menu

    Investments

    Learn More
    Private wealth menu

    Private Wealth

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Businesses
    • Solutions for Businesses
    • Asset Finance
      • Overview

        Overview

        Whether you are a business or an individual we make it possible to help you get the assets and equipment you want.

        Learn More
      • Agricultural Finance

        Agriculture

        We make it possible to help you acquire the agriculture assets your farming operation needs.
        We finance a wide range of agriculture assets such as:

        • Tractors, harvesters, planters, trailers and crop sprayers
        • Silos, irrigation, solar, netting, tunnels, security, greenhouses, cold rooms and pack houses
        • Packing equipment, scanners, conveyors, scales, cold storage, bins, generators, boilers and tanks
        • Trucks, trailers, vehicles, gators, aircraft and forklifts
        • IT hardware and software for precision
        Learn More
      • Aircraft Finance

        Aviation

        We help you enjoy your flying more, by structuring a financial solution that allows you to get into the sky, without breaking the bank. In the South African aviation industry, we finance:

        • New and used fixed-wing and rotor aircraft
        • Avionics upgrades
        • Engine overhauls and aircraft rebuilds
        Learn More
      • Construction Finance

        Construction and Plant Hire

        Our dedicated construction and manufacturing finance team can structure a financial solution for assets like:

        • Earthmoving Equipment
        • Worksite Security Systems
        • Plant and Machinery.
        Learn More
      • Leisure Finance

        Leisure

        We help you enjoy your lifestyle by structuring a financial solution that allows you to get immediate use of recreational assets like:

        • Light Aircraft and Helicopters
        • Yachts and Boats
        • Golf Carts and Equipment for Golf and Estate Living
        • Classic Cars and Motorcycles
        • Equestrian Tack
        Learn More
      • Technology Finance

        IT and Technology

        We help you get the IT solutions your business requires for ongoing business operations and to remain competitive, by structuring a financial solution for:

        • High-cost hardware assets
        • Storage and software assets
        • Office Automation equipment
        Learn More
      • Transport and Logistics Finance

        Logistics and Transport

        We make it possible for you to get the assets you want for your logistics and transport, by structuring a financial solution for:

        • Heavy Commercial Vehicles
        • Light Commercial Vehicles and Delivery Vans
        • Tankers, Trailers and Forklift Equipment
        • Warehousing and Storage Facilities
        Learn More
      • Manufacturing Equipment Finance
      • Medical Equipment Finance

        Medical

        We help you get the equipment you want for your practice, by structuring financial solutions for devices like:

        • X-Ray and Imaging Equipment
        • MRI and Diagnostic Solutions
        • Respiratory and Patient Monitoring Devices
        Learn More
      • Mining Equipment Asset Finance

        Mining and industry

        We make it possible to help you get the assets and equipment you want for your business.
        Our dedicated Mining and Industry finance team can structure a financial solution for assets like:

        • Drill Rigs, Crushers and Earthmoving Equipment
        • Furnaces and Heating Systems
        • Automation Systems
        Learn More
      • Office Equipment Finance and Rentals
      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy security when you need it most.

        Learn More
      • Security Equipment Finance

        Safety and Security

        We make it possible for you to get the solutions you want to protect your assets, by structuring a financial solution for:

        • Surveillance Systems, and CCTV
        • X-Ray Baggage Scanners
        • Detection and Access Control Systems
        Learn More
    • Fleet Solutions
      • Overview

        Overview

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease. Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

        Learn More
      • Dynamic Lease

        Dynamic Lease

        Our “Lease to Own” solution provides ownership and flexible usage.
        You may choose to purchase the vehicle at the end of the lease at the specified purchase option price, but there is no obligation to do so. We can modify the contract at any time to adjust the end of contract purchase option price, usage parameters, or include/exclude optional services.
        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs

        Learn More
      • Full Maintenance Lease

        Full Maintenance Lease

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease.
        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

        Learn More
      • Operating Lease

        Operating Lease

        Our Operating Lease is an efficient usage-based contract, whereby you can choose to either control your maintenance and tyre costs or outsource this function to us which will include a maintenance authorization desk, invoice scrutiny, and a consolidated monthly maintenance invoice.

        Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

        Learn More
      • Fleet Services

        Strategic Fleet Solution

        Our Strategic Fleet Solution provides you with an expert “Back Office” to support your business which serves niche markets and supplies specific vehicles to clients.

        We offer access to funding, a fleet operating system to manage lease contracts from procurement to termination and streamlined administrative processes to support efficient operations.

        Comprehensive reporting at vehicle and fleet level is standard and is standard and is provided to your specification and timing needs.

        Learn More
    • Investments
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

        Money market and cash plus solutions as an alternative to traditional bank deposits.

        Learn More
      • Retirement Fund Investments

        Retirement Fund Investments

        A range of funds and strategies suitable for company retirement funds.

        Learn More
      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

        Learn More
    • Property Finance
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Property Finance

        Commercial Property

        Commercial Property Finance for business customers looking to purchase owner occupied properties.

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • Cash Management

        Cash Management

        Maximise your business’s excess liquidity with our hassle-free service that offers consistently competitive interest rates. Let us help you earn more today.

        Learn More
      • CFC Accounts

        CFC Accounts

        Simplify your foreign currency inflows and outflows with our CFC account service. Avoid the hassle of converting to ZAR and increase convenience for your international business.

        Learn More
      • Currency Risk Management

        Currency Risk Management

        Mitigate the risk of currency volatility in your business with our expert currency risk management services. Let us help you implement or execute an effective policy to protect your bottom line.

        Learn More
      • Exchange Control Advice

        Exchange Control Advice

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

        Learn More
      • Foreign Exchange

        Foreign Exchange

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

        Learn More
    • Working Capital Solutions
      • Overview

        Overview

        Merchant West Working Capital Solutions can assist in providing your business with a sustainable working capital finance offering. Our facilities are flexible, and our team is dynamic to offer you with the best possible advice and service.

        Learn More
      • Escrow Accounts

        Escrow Accounts

        Merchant West provides an Escrow agency service to support commercial transactions where the commercial parties are unknown to each other and/or have recently commenced a commercial relationship. As an Escrow agent, Merchant West will hold funds on behalf of the parties under a signed Escrow agreement concluded between the parties.

        Learn More
      • Invoice Discounting

        Full Book Discounting

        Merchant West purchases qualifying invoices on your whole debtor’s book and provides you with an advance of up to eighty percent on the value of all invoices purchased. The facility remains Confidential (debtors are not notified of the facility). You continue to service, manage, and collect funds due directly from each debtor and remit these to Merchant West on collection.

        Learn More
      • Purchase Order Finance

        Purchase Order Finance

        We finance your imported or local stock purchases against a Purchase Order and discount your debtor invoice with recourse on a disclosed basis.

        Learn More
      • Bridge Loans

        Bridge Loans

        Merchant West provides short and medium-term funding structures for commercial activities including strategic asset purchases and business expansion, based on deal specific qualifying criteria. This solution is suitable for clients involved in strategic business initiatives who require funding partner support.

        Learn More
      • Stock Finance

        Stock Finance

        Merchant West provides Trade Finance for the import of machinery and other assets from global markets. Suitable for businesses that need to import machinery to meet Capex requirements.

        Learn More
      • Trade Finance
    Asset Finance

    Asset Finance

    Learn More
    Fleet Finance menu

    Fleet

    Learn More
    Investment menu

    Investments

    Learn More
    Property Finance menu

    Property Finance

    Learn More
    Working Capital menu

    Working Capital Solutions

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Corporates
    • Solutions for Corporates
    • Asset Finance
      • Overview

        Overview

        We make it possible to help you get the assets and equipment you want.

        Learn More
      • Agricultural Finance

        Agriculture

        We make it possible to help you acquire the agriculture assets your farming operation needs.
        We finance a wide range of agriculture assets such as:

        • Tractors, harvesters, planters, trailers and crop sprayers
        • Silos, irrigation, solar, netting, tunnels, security, greenhouses, cold rooms and pack houses
        • Packing equipment, scanners, conveyors, scales, cold storage, bins, generators, boilers and tanks
        • Trucks, trailers, vehicles, gators, aircraft and forklifts
        • IT hardware and software for precision farming, weather stations and drones.
        Learn More
      • Aircraft Finance

        Aviation

        We help you enjoy your flying more, by structuring a financial solution that allows you to get into the sky, without breaking the bank.
        In the South African aviation industry, we finance:

        • New and used fixed-wing and rotor aircraft
        • Avionics upgrades
        • Engine overhauls and aircraft rebuilds.
        Learn More
      • Construction Finance

        Construction and Plant Hire

        Our dedicated construction and manufacturing finance team can structure a financial solution for assets like:

        • Earthmoving Equipment
        • Worksite Security Systems
        • Plant and Machinery
        Learn More
      • Technology Finance

        IT and Technology

        We help you get the IT solutions your business requires for ongoing business operations and to remain competitive, by structuring a financial solution for:

        • High-cost hardware assets
        • Storage and software assets
        • Office automation equipment
        Learn More
      • Transport and Logistics Finance

        Logistics and Transport 

        We make it possible for you to get the assets you want for your logistics and transport, by structuring a financial solution for:

        • Heavy Commercial Vehicles
        • Light Commercial Vehicles and Delivery Vans
        • Tankers, Trailers and Forklift Equipment Warehousing and Storage Facilities
        Learn More
      • Mining Equipment Asset Finance

        Mining and Industry

        We make it possible to help you get the assets and equipment you want for your business.
        Our dedicated Mining and Industry finance team can structure a financial solution for assets like:

        • Drill Rigs, Crushers and Earthmoving Equipment
        • Furnaces and Heating Systems
        • Automation Systems
        Learn More
      • Office Equipment Finance and Rentals
      • Solar Power Financing

        Renewable Energy

        We finance commercial renewable energy solutions, giving your business energy security when you need it most.

        Learn More
    • Investments
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Cash and Cash Plus Solutions

        Cash and Cash Plus Solutions

        Money market and cash plus solutions as an alternative to traditional bank deposits.

        Learn More
      • Executive Compensation Plan

        Executive Compensation Plan

        Suitable for executive and senior management compensation enhancement.

        Learn More
      • Retirement Fund Investors

        Retirement Fund Investors

        A range of funds and strategies suitable for company retirement funds.

        Learn More
    • Specialised Finance
      • Overview

        Overview

        Specfin utilises its specialist in-house expertise and the Group’s robust balance sheet in response to consumer demand for “big ticket” solutions, characterised as “Hi Value –Hi Complexity” transactions.
        Our deep understanding of credit and a demonstrable track record allows us to credit vet transactions and provide investors with co-investment opportunities, with the comfort that these solutions also meet our risk-return thresholds. Our minimum threshold for debt financing transactions is set at R65m.

        Learn More
      • Asset-Backed Funding Solutions

        Asset-Backed Funding

        At Merchant West, we understand the challenges businesses face when seeking financing. That’s why we offer innovative funding solutions that are asset-backed and tailored to your needs.

        Learn More
      • Mezzanine Capital

        Mezzanine Capital

        Merchant West offers financing that is structured to offer flexible solutions tailored to the borrower’s needs. It combines features of both debt and equity. Take a closer look here at its components:

        Learn More
      • Private Debt Financing

        Private Debt Opportunities

        Through our network of clients, we facilitate the creation of investable opportunities and private placements with investment grade counterparties.

        Learn More
      • Securitisation Solutions

        Securitisation Solutions

        Securitisation solutions offer a versatile approach to funding, enabling businesses to unlock the value of their assets, diversify funding sources, and access capital markets efficiently.

        Learn More
      • Structured Finance

        Structuring

        We are positioned to enable transactions thought our structuring expertise and ability to identify opportunities. This includes asset creation for investors.

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • CFC Accounts

        CFC Accounts

        Simplify your foreign currency inflows and outflows with our CFC account service. Avoid the hassle of converting to ZAR and increase convenience for your international business.

        Learn More
      • Cash Management

        Cash Management

        Maximise your business’s excess liquidity with our hassle-free service that offers consistently competitive interest rates. Let us help you earn more today.

        Learn More
      • Currency Risk Management

        Currency Risk Management

        Mitigate the risk of currency volatility in your business with our expert currency risk management services. Let us help you implement or execute an effective policy to protect your bottom line.

        Learn More
      • Exchange Control Advice

        Exchange Control Advice

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

        Learn More
      • Foreign Exchange

        Foreign Exchange

        Navigating exchange control regulations can be time-consuming and stressful. Let us provide you with our expertise to simplify and navigate the process of exchange control and save your business valuable time.

        Learn More
    • Working Capital Solutions
      • Overview

        Overview

        Merchant West Working Capital Solutions can assist in providing your business with a sustainable working capital finance offering. Our facilities are flexible, and our team is dynamic to offer you with the best possible advice and service.

        Learn More
      • Escrow Accounts

        Escrow Accounts

        Merchant West provides an Escrow agency service to support commercial transactions where the commercial parties are unknown to each other and/or have recently commenced a commercial relationship. As an Escrow agent, Merchant West will hold funds on behalf of the parties under a signed Escrow agreement concluded between the parties.

        Learn More
      • Invoice Discounting

        Full Book Discounting

        Merchant West purchases qualifying invoices on your whole debtor’s book and provides you with an advance of up to eighty percent on the value of all invoices purchased. The facility remains Confidential (debtors are not notified of the facility). You continue to service, manage, and collect funds due directly from each debtor and remit these to Merchant West on collection.

        Learn More
      • Purchase Order Finance

        Purchase Order Finance

        We finance your imported or local stock purchases against a Purchase Order and discount your debtor invoice with recourse on a disclosed basis.

        Learn More
      • Bridge Loans

        Bridge Loans

        Merchant West provides short and medium-term funding structures for commercial activities including strategic asset purchases and business expansion, based on deal specific qualifying criteria. This solution is suitable for clients involved in strategic business initiatives who require funding partner support.

        Learn More
      • Stock Finance

        Stock Finance

        Merchant West provides Trade Finance for the import of machinery and other assets from global markets. Suitable for businesses that need to import machinery to meet Capex requirements.

        Learn More
      • Trade Finance

        Unlock the full potential of your business with Merchant West’s trade finance solutions. We are committed to helping you thrive in the global market by providing seamless importation processes, flexible financing options, and expert support every step of the way.

        Unlock the full potential of your business with Merchant West’s trade finance solutions. We are committed to helping you thrive in the global market by providing seamless importation processes, flexible financing options, and expert support every step of the way.

        Learn More
    Asset Finance

    Asset Finance

    Learn More
    Specialised Finance Menu

    Specialised Finance

    Learn More
    Investment menu

    Investments

    Learn More
    Working Capital menu

    Working Capital Solutions

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Institutions
    • Solutions for Institutions
    • Investor Relations
      • Overview

        Overview

        The Merchant West Group consists of diversified financial service businesses that offer a range of lending, transactional, wealth management and asset management solutions in South Africa, Namibia, Botswana and the United States of America

        Learn More
      • MW Asset Rentals

        MW Asset Rentals

        MW Asset Rentals (RF) Limited (“MWAR”) is a ring-fenced equipment rentals securitisation vehicle, originated and serviced by Merchant West Proprietary Limited.

        Learn More
      • MW Working Capital Solutions

        MW Working Capital Solutions

        MW Working Capital Solutions (RF) Limited (“MWWCS”) is a ring-fenced asset-backed securitisation vehicle, originated and serviced by Merchant West Working Capital Solutions Proprietary Limited.

        Learn More
    • Investments
      • Overview

        Overview

        Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Institutional Unit Trust Investments

        Institutional Unit Trust Investments

        A range of institutional domestic and global unit trust
        funds covering equities, property, cash, bonds and
        balanced fund solutions.

        Learn More
      • Segregated Mandates

        Segregated Mandates

        All our investment strategies are available in
        segregated mandates for qualifying investors.

        Learn More
    • Specialised Finance
      • Overview

        Overview

        Specfin utilises its specialist in-house expertise and the Group’s robust balance sheet in response to consumer demand for “big ticket” solutions, characterised as “Hi Value –Hi Complexity” transactions.
        Our deep understanding of credit and a demonstrable track record allows us to credit vet transactions and provide investors with co-investment opportunities, with the comfort that these solutions also meet our risk-return thresholds. Our minimum threshold for debt financing transactions is set at R65m.

        Learn More
      • Asset-Backed Funding Solutions

        Asset-Backed Funding

        At Merchant West, we understand the challenges businesses face when seeking financing. That’s why we offer innovative funding solutions that are asset-backed and tailored to your needs.

        Learn More
      • Mezzanine Capital

        Mezzanine Capital

        Merchant West offers financing that is structured to offer flexible solutions tailored to the borrower’s needs. It combines features of both debt and equity. Take a closer look here at its components:

        Learn More
      • Private Debt Financing

        Private Debt Opportunities

        Through our network of clients, we facilitate the creation of investable opportunities and private placements with investment grade counterparties.

        Learn More
      • Securitisation Solutions

        Securitisation Solutions

        Securitisation solutions offer a versatile approach to funding, enabling businesses to unlock the value of their assets, diversify funding sources, and access capital markets efficiently.

        Learn More
      • Structured Finance

        Structuring

        We are positioned to enable transactions thought our structuring expertise and ability to identify opportunities. This includes asset creation for investors.

        Learn More
    • Treasury Solutions
      • Overview

        Overview

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • Product Development

        Product Development

        Merchant West Treasury Solutions has established a strategic presence in offshore investments through strong partnerships with leading investment houses. Our role includes navigating exchange control regulations, refining processes, providing competitive exchange rates with transparent fees, and ensuring investment products are straightforward, especially regarding currency transfers.

        Learn More
      • Portfolio Switches

        Portfolio Switches

        Merchant West Treasury Solutions excels in managing complex financial transactions at both institutional and individual levels. Our role in portfolio switches is to simplify the process by providing expert currency management and seamless fund movement services.

        Learn More
    Investor relations menu

    Investor Relations

    Learn More
    Investment menu

    Investments

    Learn More
    Specialised Finance Menu

    Specialised Finance

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • Intermediaries
    • Solutions for Intermediaries
    • Asset Finance
    • Fleet Solutions
    • Investments
      • Investment Partnership

        Investment Partnership

        Our Investment Partnership offering empowers financial advisors and professional firms with access to tailored investment solutions and expert support. Together, we help you grow your business, deepen client relationships, and deliver long-term value.

        Learn More
    • Treasury Solutions
      • Collaborative Partnerships

        Collaborative Partnerships

        In today’s fast-paced business world, collaboration is essential for growth and delivering value. At Merchant West Treasury Solutions, we understand the needs of professional firms—whether you’re an accountant, attorney, real estate professional, or financial advisor. Partnering with us allows you to enhance your services, offer more value to your clients, and strengthen your role as a trusted advisor.

        Learn More
    Asset Finance

    Asset Finance

    Learn More
    Fleet Finance menu

    Fleet

    Learn More
    Investment menu

    Investments

    Learn More
    Treasury Solutions menu

    Treasury Solutions

    Learn More
  • About Us
    • Our Story
    • Merchant West Holdings
    • Leadership
    • Timeline
    • Careers
    • Media
    • Solutions
      • Asset Finance

        Asset Finance

        We pride ourselves on our reputation as a fast, efficient, and committed financier in our elected industries and offer tailor‐made asset financing for the equipment that is unique to your particular area of business.:

        Learn More
      • Working Capital Solutions

        Working Capital Solutions

        Merchant West Working Capital Solutions can assist in providing your business with a sustainable working capital finance offering. Our facilities are flexible, and our team is dynamic to offer you with the best possible advice and service.

        Learn More
      • Fleet Solutions

        Fleet Finance

        Our streamlined fleet management solution. We keep your business mobile without you tying up your cash in vehicles.
        Our Full Maintenance Lease optimises fleet management, minimises unexpected maintenance expenses, and provides a predictable monthly cost that you can budget for with ease. Comprehensive reporting at vehicle and fleet level is standard and is provided as per your specification and timing needs.

        Learn More
      • Investments

        Investments

         Merchant West Investments is an award-winning multi-strategy asset management business.
        The investment house covers a variety of strategies and asset classes, with money market, income, multi-asset class, listed property and domestic and global equity funds.

        Learn More
      • Treasury Solutions

        Treasury

        Merchant West Treasury Solutions is a niche provider of treasury products and solutions to corporate and individual clients with foreign exchange, cash management and risk management requirements.

        Learn More
      • Private Wealth

        Private Wealth

        Sterling Private Wealth offers personalised wealth management solutions, expertly crafted to secure your financial future. Our dedicated advisors prioritize your unique goals, delivering tailored strategies with integrity and care. Click to discover how we can empower your wealth journey.

        Learn More
      • Commercial Property Finance

        Property Finance

        Merchant West offers commercial property finance to clients for:

        • Owners -who own and occupy the premises to be financed; or
        • Tenants -who rent premises, but wish to purchase the property.
        Learn More
      • Specialised Finance

        Specialised Finance

        Specfin utilises its specialist in-house expertise and the Group’s robust balance sheet in response to consumer demand for “big ticket” solutions, characterised as ‘Hi Value –Hi Complexity’ transactions.

        Our deep understanding of credit and a demonstrable track record allows us to credit vet transactions and provide investors with co-investment opportunities, with the comfort that these solutions also meet our risk-return thresholds. Our minimum threshold for debt financing transactions is set at R65m.
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UNLEASHING FINANCIAL POSSIBILITIES

Lending reinvented
Investing elevated
Unleash your financial potential

Discover how our flexible and tailor-made financial solutions can empower you and your business.

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Advisory Solutions
Lending Solutions

Lending Solutions

Aviation

Asset Finance

Discover how our flexible and tailor-made asset finance solutions can empower you and your business.
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Dynamic Lease

Fleet

Explore how we drive every aspect of your vehicle fleet management – from procurement to disposal – allowing you to concentrate on your core business.
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Property Finance

Property Finance

Discover our tailored commercial property financing solutions, designed for clients seeking to purchase or refinance their business premises.
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Specialised Finance

Specialised Finance

Discover our expertise in developing specialised financial solutions designed to match your unique business requirements.
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Working Capital Solutions

Working Capital Solutions

Unlock growth opportunities for your business with our customised working capital solutions.
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Advisory Solutions

Investments

Investments

Discover strategic investment opportunities, where our competitive advantage promotes optimal returns.
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Private Wealth

Private Wealth

Unlock the advantage of value-centric wealth management. In a world fixated on trends, we prioritise holistic wealth management advice to entrepreneurs, corporate executives, and retirees.
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Treasury Solutions

Treasury Solutions

Unlock exceptional international transfer rates, transparent fees, and expert assistance.
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Who We Are

About Merchant West

Merchant West is one of the largest privately-owned providers of specialised financial solutions in South Africa, with a proven track record of delivering results. We provide alternative business funding and advisory solutions making life and business simpler. 

As an agile business with an entrepreneurial approach, we pride ourselves on structuring flexible and innovative finance solutions that meet the requirements of our clients.

Learn More
TOTAL ASSETS OF
UNDER MANAGEMENT
R 0 B
A TOTAL OF
CLIENTS
0 K
TOTAL WORTH OF
UNDER FINANCE
R 0 B
YEARS OF
IMPRESSIVE GROWTH
0
Business Vehicle Leasing Mw 1920X1280 1
Business Vehicle Leasing Mw 1920X1280 1
Who We Are

About Merchant West

Merchant West is one of the largest privately-owned providers of specialised financial solutions in South Africa, with a proven track record of delivering results. We provide alternative business funding and advisory solutions making life and business simpler. 

As an agile business with an entrepreneurial approach, we pride ourselves on structuring flexible and innovative finance solutions that meet the requirements of our clients.

Learn More
TOTAL ASSETS OF

R27B

UNDER MANAGEMENT
A TOTAL OF

62K

CLIENTS
TOTAL WORTH OF

R4.5B

UNDER FINANCE
YEARS OF

27

IMPRESSIVE GROWTH
FINANCIAL SECTORS

We offer Financial Solutions for various sectors

Individuals
Individuals
Businesses
Businesses
Corporates
Corporates
Institutions Bg
Institutions
Intermediaries
Intermediaries
Team
JOIN OUR TEAM

Careers at Merchant West

At Merchant West, we believe in equal-opportunity employment.
Employing to inspire – inspiring you, inspiring growth, and inspiring businesses.

We invite you to explore our website to learn more about our exciting career opportunities.

Culture and Process
Open Positions
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